Lakefront Pool Home with Two Private Docks in Saga Bay.
For Sale by Owner – $885,000
20111 SW 82nd Place, Cutler Bay, FL 33189
3 Bedrooms | 2 Bathrooms | Sunroom | 2,300 Sq. Ft. | 2-Car Garage
Enjoy waterfront living in one of Cutler Bay’s most desirable communities. This well-maintained concrete home is situated on beautiful Saga Bay Lake. It offers unobstructed water views, two private docks, and a screened swimming pool—creating the perfect setting for relaxing, entertaining, and enjoying the South Florida lifestyle.
Built in 1994 with approximately five feet of additional elevation, this home features an open floor plan filled with natural light, three spacious bedrooms, two full bathrooms, a bright sunroom overlooking the lake, and an attached 2-car garage. The thoughtfully designed layout provides comfortable everyday living with plenty of space for family and guests.
The east-facing backyard is the highlight of the property, offering breathtaking sunrise and moonrise views across the lake. Spend your mornings with coffee on the patio or cool off in the 15’ x 30’ screened pool. From your private dock you can fish, launch a kayak or sailboat, or simply unwind while taking in the peaceful waterfront scenery.
Recent Improvements
* New concrete flat roof (May 2024)
* Fresh interior and exterior paint
* Automatic irrigation system
Interior Features
* Open-concept living and dining areas
* High ceilings
* Spacious walk-in closet
* Walk-in attic for additional storage
* Ceramic tile flooring throughout
Appliances Included
* New washer and gas dryer
* Stainless steel gas range
* Stainless steel dishwasher
* Microwave
* Refrigerator
* Gas water heater
You will love living in the sought-after Saga Bay community, where you enjoy access to neighborhood parks, two sandy lakefront beaches, and the convenience of being just three miles from Black Point Marina, as well as nearby shopping, restaurants, and major roadways.
Annual HOA Fee: $568
If you’ve been searching for a true lakefront home with spectacular views, a private pool, and two private docks in an established community, this is a rare opportunity.
Please provide proof of funds or a mortgage pre-approval prior to scheduling a private showing.
For sale by owner
$885,000
20111 SW 82nd Pl, Cutler Bay, FL 33189
3beds
2,300sqft
SingleFamily
Built in 1994
9,600 Square Feet Lot
$-- Zestimate®
$385/sqft
$55/mo HOA
What's special
Two private docksThree spacious bedroomsUnobstructed water viewsHigh ceilingsEast-facing backyardStainless steel gas rangeScreened swimming pool
- 166 days
- 435
- 35
Listed by:
Property Owner (305) 318-2858
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Heating
- Forced air, Electric
Cooling
- Central
Appliances
- Included: Dishwasher, Dryer, Microwave, Range / Oven, Refrigerator, Washer
Features
- Flooring: Tile
- Has fireplace: No
Interior area
- Total interior livable area: 2,300 sqft
Property
Parking
- Total spaces: 2
- Parking features: Garage - Attached
Features
- Exterior features: Other, Stucco, Cement / Concrete
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
Lot
- Size: 9,600 Square Feet
Details
- Parcel number: 3660100070310
Construction
Type & style
- Home type: SingleFamily
Materials
- concrete
- Roof: Other
Condition
- New construction: No
- Year built: 1994
Community & HOA
HOA
- Has HOA: Yes
- HOA fee: $55 monthly
Location
- Region: Cutler Bay
Financial & listing details
- Price per square foot: $385/sqft
- Tax assessed value: $588,237
- Annual tax amount: $4,193
- Date on market: 3/15/2026
Estimated market value
Not available
Estimated sales range
Not available
$4,084/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/3/2026 | Listed for sale | $885,000$385/sqft |
Source: Owner Report a problem | ||
| 6/21/2026 | Listing removed | -- |
Source: Owner Report a problem | ||
| 3/16/2026 | Listed for sale | $885,000+86.3%$385/sqft |
Source: Owner Report a problem | ||
| 3/16/2017 | Listing removed | $475,000$207/sqft |
Source: Best American Realty Corp #A10150798 Report a problem | ||
| 9/19/2016 | Listed for sale | $475,000+216.7%$207/sqft |
Source: Best American Realty Corp #A10150798 Report a problem | ||
| 4/17/1998 | Sold | $150,000$65/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,193 +2.7% | $231,645 +2.9% |
| 2024 | $4,082 +9% | $225,117 +3% |
| 2023 | $3,745 +4.4% | $218,561 +3% |
| 2022 | $3,588 +1.2% | $212,196 +3% |
| 2021 | $3,547 +2.1% | $206,016 +1.4% |
| 2020 | $3,473 +3.1% | $203,172 +2.3% |
| 2019 | $3,369 +5% | $198,605 +1.9% |
| 2018 | $3,207 | $194,902 +2.1% |
| 2017 | $3,207 +1.1% | $190,894 +2.1% |
| 2016 | $3,171 +0.1% | $186,968 +0.7% |
| 2015 | $3,169 -1.1% | $185,669 +0.8% |
| 2014 | $3,204 -2.1% | $184,196 -1.3% |
| 2011 | $3,273 -5.6% | $186,637 +0.4% |
| 2010 | $3,466 +6.3% | $185,968 +0.8% |
| 2009 | $3,259 +5.4% | $184,564 +31.9% |
| 2007 | $3,094 | $139,918 |
| 2006 | -- | -- |
| 2005 | -- | -- |
| 2004 | $3,145 +5.5% | -- |
| 2003 | $2,980 +3.1% | -- |
| 2002 | $2,890 | -- |
| 2001 | $2,890 | -- |
Find assessor info on the county website
Monthly payment
Est. payment









